LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,380
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,103
−HK$1,750/mo
Today · 4.125%
HK$58,853
baseline
▲ 0.50% · 4.625%
HK$62,434
+HK$3,581/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$117,706/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,610
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,262
−HK$1,676/mo
Today · 4.125%
HK$64,938
baseline
▲ 0.50% · 4.625%
HK$68,361
+HK$3,423/mo
Deposit HK$12.14M · loan HK$12.14M · min. income ≈ HK$129,876/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,032,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,456
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,523
−HK$2,100/mo
Today · 4.125%
HK$70,623
baseline
▲ 0.50% · 4.625%
HK$74,921
+HK$4,298/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$141,246/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,932
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,915
−HK$2,011/mo
Today · 4.125%
HK$77,926
baseline
▲ 0.50% · 4.625%
HK$82,034
+HK$4,108/mo
Deposit HK$9.71M · loan HK$14.57M · min. income ≈ HK$155,852/mo (50% DSR)
Upfront cash ≈ HK$10.75M (deposit + AVD stamp duty HK$1,032,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,532
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,944
−HK$2,450/mo
Today · 4.125%
HK$82,394
baseline
▲ 0.50% · 4.625%
HK$87,407
+HK$5,013/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$164,788/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,254
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,567
−HK$2,347/mo
Today · 4.125%
HK$90,914
baseline
▲ 0.50% · 4.625%
HK$95,706
+HK$4,792/mo
Deposit HK$7.29M · loan HK$17.00M · min. income ≈ HK$181,828/mo (50% DSR)
Upfront cash ≈ HK$8.32M (deposit + AVD stamp duty HK$1,032,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,684
−HK$6,251/mo
▼ 0.25% · 3.875%
HK$102,785
−HK$3,150/mo
Today · 4.125%
HK$105,935
baseline
▲ 0.50% · 4.625%
HK$112,381
+HK$6,446/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$211,870/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,898
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$113,872
−HK$3,017/mo
Today · 4.125%
HK$116,889
baseline
▲ 0.50% · 4.625%
HK$123,050
+HK$6,161/mo
Deposit HK$2.43M · loan HK$21.86M · min. income ≈ HK$233,778/mo (50% DSR)
Upfront cash ≈ HK$3.46M (deposit + AVD stamp duty HK$1,032,188 · Scale 2, in force from 26 Feb 2026)